# TopReferrals — UK referral leaderboard

> TopReferrals ranks every major UK referral and sign-up bonus on one transparent scorecard — reward size, how easy it is to claim, how fast it pays and how protected you are. Each offer is checked against the brand's own published terms, link-tested daily and re-scored monthly. The definitive UK referral league table.

Last updated: 2026-06-21 · 13 live offers, ranked by TopScore.

1. [Monzo referral code](https://topreferrals.co.uk/offers/monzo) — TopScore 8.5/10 (Elite), Banking. £10 each side (£50 business). Code: `7tmgtxp`. The most dependable banking referral in the UK — a fixed, two-sided cash bonus paid in minutes on a fully FSCS-protected account. Our number one.
2. [Forest referral code](https://topreferrals.co.uk/offers/forest) — TopScore 7.5/10 (Strong), Mobility. £10 free riding each side. Code: `iCJtXwST`. The most generous e-bike referral in the UK — £10 of free riding for both of you — but London-only, and the credit expires in seven days, so claim it when you'll actually ride.
3. [Railway referral code](https://topreferrals.co.uk/offers/railway) — TopScore 7.5/10 (Strong), Software. $20 in deploy credit. Code: `OVTmXM`. Instant $20 of deploy credit, no card required, on a developer platform with low UK latency from Amsterdam. The fastest payout on the board for anyone who ships code.
4. [Rebtel referral code](https://topreferrals.co.uk/offers/rebtel) — TopScore 7.3/10 (Solid), Calling. $10 credit each side. Code: `FNuaHp`. Fast and genuinely two-sided: $10 each after a $1 purchase, ideal if you regularly call or top up abroad. The credit is in dollars and there is no FCA cover, as it is a telecoms service.
5. [PayPal referral code](https://topreferrals.co.uk/offers/paypal) — TopScore 7.2/10 (Solid), Wallets. £10 each side after a £5 spend. Code: `3kNyYfKTmyL`. Low-friction and two-sided: one £5 checkout on an account most people already have. The catch is that the £10 is non-cash store credit, and the campaign closes 30 June 2026.
6. [Wispr Flow referral code](https://topreferrals.co.uk/offers/wispr-flow) — TopScore 7.2/10 (Solid), Software. A free month of Flow Pro. A free month of a genuinely fast AI dictation tool, no card to start — and a free month back for the referrer once you have dictated 2,000 words. A clean two-sided software perk.
7. [Lime referral code](https://topreferrals.co.uk/offers/lime) — TopScore 6.9/10 (Solid), Mobility. £4 ride credit each side. Code: `RRZ2ZIZTGZA`. The widest UK coverage of any ride referral — £4 each side across London and a growing list of cities, on a generous 60-day window. Smaller than Forest, but usable in far more places.
8. [ClassPass referral code](https://topreferrals.co.uk/offers/classpass) — TopScore 6.8/10 (Solid), Fitness. 20 bonus class credits. Code: `AFDLBD1A12`. 20 bonus credits on top of the trial, no card upfront and no obligation — a low-risk way to try a city's studios. The referrer's £15 only lands if you convert to a paid plan.
9. [TopCashback referral code](https://topreferrals.co.uk/offers/topcashback) — TopScore 6.8/10 (Solid), Cashback. £20 sign-up bonus. The biggest UK cashback sign-up bonus, on the site that returns 100% of retailer commission. The only drag is the wait: the £20 unlocks after £10 of confirmed cashback.
10. [Klarna referral code](https://topreferrals.co.uk/offers/klarna) — TopScore 6.5/10 (Solid), Wallets. £10 to join with the Klarna Card. Code: `BoouNaG950GjfLKU`. A real two-sided cash bonus, but the most work in the wallet sector: you must take the Klarna Card and complete three separate £5 purchases. Pick it if you actually want the Card.
11. [Trip.com referral code](https://topreferrals.co.uk/offers/trip-com) — TopScore 6.3/10 (Solid), Travel. 30-day Traincard — 4% off UK rail. Code: `GS8U7R`. An evergreen invite-and-earn from the world's biggest travel group: a 30-day rail discount for you, Trip Coins for the referrer. Modest joiner value, but ATOL-backed and dependable.
12. [Voi referral code](https://topreferrals.co.uk/offers/voi) — TopScore 6.2/10 (Solid), Mobility. £2.50 ride credit to start. Code: `JLPQJMNPJQfcKKePcNQLMdJeIfHQNfOd`. The widest reach outside London — Voi runs about two-thirds of England's e-scooter trials. £2.50 to start is modest, but it's the offer that actually works in your town.
13. [Revolut referral code](https://topreferrals.co.uk/offers/revolut) — TopScore 4.6/10 (Fair), Banking. In-app welcome offer for new joiners. One-sided and campaign-limited: the £70 goes to the referrer, the new joiner gets a variable in-app offer, and qualifying takes four steps. A strong bank, but the lowest-ranked referral on our table for a joiner.

Full per-offer markdown: append `/llms.md` to any /offers/{slug} URL.